Most of the flood insurance money paid in Town 'n' Country in the last 10 years came from one storm, Hurricane Helene in 2024.
Town 'n' Country is not a city. Hillsborough County sets the flood rules, permits, flood maps and CRS discount in Town 'n' Country. It is a census designated place, a name the Census uses for a community with no town government of its own. So the county's floodplain office, the county's maps and the county's discount all apply. For the whole county, see the Hillsborough County flood insurance guide.
Town 'n' Country flood insurance in 5 numbers
| The short version | Town 'n' Country | Source |
|---|---|---|
| NFIP policies in force | 9,543 | FEMA policy records, July 2026 |
| Policies rated in an A or V zone | 93% | FEMA policy records, July 2026 |
| Average NFIP premium | $1,866 per policy | FEMA policy records, July 2026 |
| Claims paid, last 10 years | $281,539,012 on 2,551 claims | FEMA claim records, July 2026 |
| CRS discount | 30%, Class 4, since October 1, 2026 | FEMA CRS list, October 2026 |
FEMA records do not tag each policy with a Census place. So the Town 'n' Country numbers on this page are built from Census neighborhoods (block groups), split by where the homes sit. About 96% of the policies sit in neighborhoods fully inside Town 'n' Country, so the split moves these figures very little.
Town 'n' Country flood zones: which 2 maps matter?
Two maps answer two different questions for a Town 'n' Country home.
| FEMA flood zone | Hillsborough evacuation zone |
|---|---|
| Decides if your lender can require flood insurance | Tells you when to leave before a storm (zones A to E) |
| Look up your FEMA zone | Hillsborough evacuation zone lookup |
FEMA's flood study for Hillsborough County lists zones A, AE, AH, AO and VE, plus lower-risk X areas. That is a countywide list. It was not checked for Town 'n' Country by itself.
Any zone that starts with A or V is a high-risk area. If a Town 'n' Country home sits in one and has a federally backed mortgage, it must carry flood insurance. Zone X carries no federal requirement. Water still crosses map lines. In Town 'n' Country, 93% of NFIP policies (July 2026) are rated in an A or V zone, so most insured homes in Town 'n' Country sit inside the high-risk zones.
The flood maps in effect for unincorporated Hillsborough County date from October 7, 2021. Use the Hillsborough County flood zone map or the county's Find My Flood Zone page to see the zone for a Town 'n' Country address. The official maps are on the FEMA Flood Map Service Center.
What does flood insurance cost in Town 'n' Country?
The average NFIP policy in Town 'n' Country runs $1,866 a year. Read that number with care. It is an average per policy, and each condo unit counts as one policy. Town 'n' Country has 9,543 policies on 8,200 policy records, because one condo building policy can cover many units. It is not what a typical single-family Town 'n' Country home pays. Three things move your own price.
1. Same flood zone, very different prices. Your flood zone decides if a lender requires flood insurance. Your price also weighs how high the first floor sits, what it would cost to rebuild, and how often that spot floods. So two Town 'n' Country houses on one street can see very different prices, even with the average near $1,866. An elevation certificate may lower an NFIP price. A lender must also accept a private policy that meets the federal rules.
2. Hillsborough County's 30% discount. Town 'n' Country sits in unincorporated Hillsborough County, one NFIP community. That community earns its own Community Rating System (CRS) score. FEMA's October 2026 CRS list rates unincorporated Hillsborough County Class 4, worth a 30% discount on NFIP premiums for eligible policies, since October 1, 2026. The City of Tampa next door is a separate NFIP community with its own class, so a home on the Tampa side of the line can get a different discount.
Confirm your 30% credit is applied. Look for the CRS credit on your declarations page. Check my address to confirm which NFIP community your Town 'n' Country home is in.
3. The claim record around you. Town 'n' Country has 3,409 NFIP claims on record all time, and 2,551 of them came in the last 10 years. That decade paid $281,539,012. So most Town 'n' Country flood claims are recent ones, and that record is why lenders ask for proof of flood coverage.
Hillsborough emergency numbers for Town 'n' Country residents
| Who | Phone | What they handle |
|---|---|---|
| Hillsborough County Office of Emergency Management | (813) 272-6600 | Evacuation orders, shelter openings, storm updates |
| Hillsborough County Public Works Floodplain Administration | (813) 635-5400 | Flood maps, flood zone questions and flood rules for Town 'n' Country |
Because Hillsborough County runs the flood rules in Town 'n' Country, its Floodplain Administration office is the one to call about a Town 'n' Country flood zone or a rebuild. You can also email it at floodplainadmin@hcfl.gov.
Shelters. Hillsborough County opens shelters for each storm, and the lineup changes every time. For Hurricane Milton in 2024 the county opened Middleton High School, 4801 N. 22nd St., Tampa (pet-friendly), Burnett Middle School, 1010 N. Kingsway Rd., Seffner (pet-friendly) and Erwin Technical College, 2010 E. Hillsborough Ave., Tampa (special needs, sign up ahead with the county). None of the three is in Town 'n' Country. Before you go, confirm which shelters are open with the county evacuation zone lookup or by calling (813) 272-6600.
More help: the Hillsborough County Office of Emergency Management.
If your Town 'n' Country home floods: 5 steps
- Stay safe. Do not walk or drive through flood water.
- Take photos and video of every room before you clean up.
- Call your insurance company and file the claim fast.
- Make a list of damaged items. Keep receipts for cleanup and repairs.
- Ask Hillsborough County about permits before you rebuild. Call Public Works Floodplain Administration at (813) 635-5400.
The 50% rule. If repairs cost 50% or more of the building's market value, federal rules call the home "substantially damaged." It must then meet current flood rules, which can mean raising it. Hillsborough County counts the market value of the building without the land, and it adds up repair costs over 12 months. Volunteer labor and donated materials count at market rates. In the last 10 years, flood claims in Town 'n' Country paid $281,539,012. Increased Cost of Compliance (ICC) coverage on an NFIP policy can help pay for that work.
5 Hillsborough storms behind these numbers
FEMA keeps storm claim totals for the whole county, not for each community. The figures below are Hillsborough County totals. Town 'n' Country's own 10-year total is the $281,539,012 shown above.
| Storm | Year | NFIP claims in Hillsborough County | Paid in Hillsborough County |
|---|---|---|---|
| Hurricane Helene | 2024 | 7,418 | $878,752,171 |
| Hurricane Milton | 2024 | 2,625 | $190,457,451 |
| Hurricane Idalia | 2023 | 289 | $20,746,601 |
| Hurricane Eta | 2020 | 167 | $6,997,747 |
| Hurricane Irma | 2017 | 300 | $5,555,275 |
Hurricane Helene paid $878,752,171 on 7,418 claims across Hillsborough County in 2024, more than the other four storms put together. Claims by storm are not split by community, so this table shows how big each storm was in Hillsborough County, not what it paid in Town 'n' Country.
Buying or closing in Town 'n' Country? Read this first
In Town 'n' Country, 93% of NFIP policies (July 2026) are rated in a high-risk zone. If the Town 'n' Country home you are buying sits in one and the mortgage is federally backed, the lender will want proof of flood insurance before closing. Ask the seller for an elevation certificate. Ask too whether the seller's flood policy can be assigned to you at closing. Buying a condo? Ask the association about its building flood policy.
NFIP flood policies have a 30-day waiting period. The big exception: if you buy the policy as part of getting, refinancing, increasing, extending or renewing a loan on the home, coverage can start at closing with no wait, as long as the application and payment are in by closing. If a new flood map just put your home in a high-risk zone, you can buy within 13 months of the map date and wait only one day. A lender asking for flood coverage partway through an existing loan does not skip the wait. Private flood policies set their own waiting periods, often shorter. Hillsborough County's October 7, 2021 maps are past that 13-month window.
All major lenders accept private flood insurance under federal guidelines. The policy must meet the federal definition of private flood insurance. Look for that line on the policy, or ask your lender. For some Town 'n' Country homes private flood costs less, and for others it costs more. Compare it with an NFIP price that carries the county's 30% discount. What a lender can require.
Buying in Town 'n' Country? Start with the buyer guide
Town 'n' Country flood insurance: 6 questions
How much is flood insurance in Town 'n' Country? The NFIP average is $1,866 per policy, per FEMA records from July 2026. Each condo unit counts as one policy, so a single-family Town 'n' Country home can pay much more or less. Your price depends on your home.
Is Town 'n' Country a city? No. Town 'n' Country is a census designated place in unincorporated Hillsborough County. Hillsborough County sets its flood rules, permits, flood maps and CRS discount.
Does Town 'n' Country get a flood insurance discount? Yes, through Hillsborough County. FEMA rates unincorporated Hillsborough County Class 4 in the Community Rating System, worth 30% off NFIP premiums for eligible policies, since October 1, 2026.
How much has flood insurance paid in Town 'n' Country? $281,539,012 on 2,551 NFIP claims in the last 10 years, per FEMA records from July 2026. Town 'n' Country has 3,409 claims on record all time.
What evacuation zone am I in? Hillsborough uses zones A to E. Look up your Town 'n' Country address with the county's evacuation zone lookup. Your evacuation zone is not your FEMA flood zone, and it does not decide whether you need flood insurance.
Do I need flood insurance in zone X in Town 'n' Country? A lender does not have to require it in zone X. Only 7% of Town 'n' Country's NFIP policies (July 2026) are on homes outside the high-risk zones. Heavy rain floods homes there too.
Explore Hillsborough and Florida flood guides
- Hillsborough County flood insurance: the county numbers, storms and contacts
- Hillsborough County flood zone map: find your zone by address
- City of Tampa flood insurance: the city next door, its own NFIP community
- Pinellas County flood insurance: the county to the west
- Florida flood insurance: the state picture
- The 30-day wait and its exceptions
- Flood insurance questions, answered
Sources: OpenFEMA NFIP policies and claims (FEMA, data as of July 4, 2026, split to Town 'n' Country by Census block group); OpenFEMA NFIP Community Status Book, unincorporated Hillsborough County row (CID 120112, read November 14, 2026); FEMA CRS Eligible Communities, October 1, 2026; FEMA Flood Insurance Study for Hillsborough County, revised October 7, 2021, zone list; OpenFEMA NFIP claims by storm, Hillsborough County; OpenFEMA NFIP claims for the Town 'n' Country block groups (read November 14, 2026), storm names as FEMA records them; Hillsborough County Emergency Management, evacuation lookup and Flood Maps pages (read July 6, 2026); Hillsborough County Substantial Damage/Improvement Guidelines (read July 6, 2026); Hillsborough County Hurricane Milton shelter list (October 2024); U.S. Census 2020 and 2024 Gazetteer.
Lender says you need flood insurance? Read what the law requires and what you still choose.
Own a business, condo or apartment building in Town 'n' Country? Read the Florida commercial flood insurance guide.
Page data last verified 2026-11-14. Every figure links to the federal or county record it came from.